Legal Care Direct™ Family Protection Plan

Did you know that every year 1 in 2 families will require the services of an attorney? In many instances, legal issues are precipitated by other personal and professional challenges in one’s life. Mounting debt, tax season, substance abuse, stress on the job, or a personal crisis may be the catalyst for legal assistance. To help address these multiple needs, Legal Care Direct™ (LCD) created the Family Protection Plan. The plan provides members with access to a network of pre-qualified professionals in each of the following disciplines:

Legal Care
Tax Preparation & Advice
Financial Education & Credit Counseling
Identity Theft Solutions
LifeEvents™ Counseling

Benefit Features

Legal Care Direct’s Family Legal Plan anchors the Family Protection Plan. Legal Care Direct™ is a discount legal referral service with a nationwide network of plan attorneys who provide free and discounted legal care for over 1 million families. Membership includes you, your spouse or domestic partner, dependent children under the age of 25, and any dependents that may be living with you such as a parent or grandparent.

Legal Care

Free Legal Services:*
The following nine (9) services are available at no charge from your plan attorney.

• Initial phone consultation for each new legal matter (no time limit)
• Initial face-to-face consultations for each new legal matter (no time limit)
• Review of independent legal documents (6 page maximum per document, no limit to the number of new independent documents)
• Plan attorneys will prepare a free Simple Will for you and your family, as well as update the Will annually for free. (See definition of Simple Will in Section 3 of the Plan Guidebook)
• A state specific, web based, free Living Will form is available to Members. This form can be taken to a plan attorney and completed by the attorney for free
• Plan attorneys will help Members represent themselves in small claims court
• Assistance in solving problems with government programs, such as INS and welfare
• When deemed appropriate by your plan attorney, he or she will write letters on your behalf (one letter per legal matter, with no limit on the number of new legal matters)
• When deemed appropriate by your plan attorney, he or she will make phone calls on your behalf (one phone call per legal matter, with no limit on the number of new legal matters)

*In many states attorney liability may require plan attorneys to obtain a retainer from the member prior to providing some of the free member benefits.

Deeply Discounted Legal Services:**
The following are eight (8) commonly used legal services for which plan attorneys have agreed to charge a one-time, deeply discounted fee.

Legal Services	Member Rate			Non-Member Rate
Traffic Ticket Defense Name Change Simple Will with Minors Trust Chapter 7 Bankruptcy Non-Support (Spouse/Child) Simple Divorce Regular Incorporation Personal Real Estate Closing	89.00 155.00 250.00 750.00 275.00 275.00 295.00 250.00			199.00 365.00 530.00 1,500.00 1,490.00 1,100.00 585.00 675.00

**Court costs, filing fees and time charged for travel to and from courts are additional.

Detailed Legal Services definitions can be found in Section three (3) of the Legal Care Direct™ Plan Guidebook.

Guaranteed Low Hourly Rates:
Plan attorneys have contracted to charge no more than $125.00 per hour, or 40% off their usual and customary hourly rate, whichever is greater, for legal care that goes beyond the free and discounted services described above.

Retainers:
In the case of extended legal care, plan attorneys may ask you for a retainer. Any retainer sought will be computed by multiplying the number of hours a plan attorney believes a case will take, by the appropriate discounted hourly plan rate. For instance: 10 hours x $125.00 = a retainer of $1,250.00. Any unused portion of the retainer will be returned to the member

Contingency Fee Discounts:
The contingency fee discount will be a 10% reduction of the state maximum rate or the attorney's usual rate, whichever is lower.

Tax Preparation & Advice

The Family Protection Plan provides comprehensive personal tax benefits including free tax return preparation and unlimited, toll-free, tax related advice during normal business hours. Additionally, you will have access to most commonly used tax related schedules free of charge or at a significantly discounted rate.

Tax Related Benefits:

• Unlimited advice for personal and business matters on federal taxation via toll-free phone call/fax/e-mail (no time or frequency limitations)
• Free mail-in tax return preparation (includes 1040EZ, 1040A, and 1040)*
• $20.00 off of tax returns prepared by H & R Block®
• Discounted preparation of all schedules that accompany the form 1040*
• IRS audit assistance
• Tax professionals will review any notice or letter issued by the IRS and provide advice on how to understand and solve the matter.
• Access to a web-based IRS audit tutorial, as well as an IRS notification tutorial.
• IRS notification assistance
• Tax planning
• Review of prior year's tax return*
• Member portal with tax tips, tax law changes, tax organization area, IRS audit area, IRS notification area and member advice on-line

* Limited one (1) per household.

All tax and financial assistance is provided by tax attorneys, financial analysts, CPA's, former auditors and/or Enrolled Agents certified by the IRS. Additionally, all tax and financial advice is backed by a $1 million liability policy.

Financial Education & Credit Counseling

This component of the Family Protection Plan provides you and your family with personalized financial and credit counseling services 24/7, 365 days per year. We provide access to counseling and financial education through a variety of delivery methods including telephone, online tools and live chat sessions.

Whether you are renting or buying a home, having problems with debt, or setting up a trust, this financial education program is designed to provide you and your family with the tools necessary to make better financial decisions. Personal financial guidance and education is provided by over 1,000 experienced financial counselors.

The following is an outline of the free services included with this program:

• Free Consultations
  A complete financial assessment will include a review and analysis of your household income, expenses, assets and liabilities.



• Credit & Debt Counseling by Certified Credit Counselors
  A credit counselor takes the time to thoroughly understand and assess current credit and debt issues. They will:
  
  
  • Assist in creating a livable budget to balance income and expenses
  • Provide specific advice on how to deal with creditors
  • Offer money management and budgeting techniques to help gain control of finances
  • Develop a comprehensive spending plan
  • Create an action plan to become debt free


• “Ask Susan” Online Counseling Sessions
  A unique opportunity to receive a personalized response to questions on subjects such as loans, budgeting, credit reporting, collections, dealing with debt, and much more. Email your questions to receive a personal response on these and other financial subjects.


• Housing Advisory Services
  
  
• Advice covering first time homeownership, affordable mortgages and refinancing
• Post purchase counseling
• Reverse mortgages – what are they and how do they work



• Online Tools & Articles
  Access online articles designed to inform, assist, educate and alert you in all areas of credit, money management and how to get help.
  
  
  • Online tools for budgeting
  • Articles designed to help make smart financial decisions
    
  • Articles designed to help with family financial and purchasing decisions
    
  • Hotlinks to a wide variety of consumer resources on topics such as lending, credit reports, credit cards and vehicle purchasing and financing
    
  • Easy-to-use online calculators to help get finances back on track. Calculators are available to help with budgeting, and vehicle and home financing
    
  • Tests and quizzes to gain a better understanding of how to improve money management skills


• Money Choices
  Five private self-paced courses, presented by Visa, that teach the skills needed for smart money management.

Identity Theft Solutions

Our unique identity theft solution provides you with all the components necessary to restore your identity, and prevent future incidences of identity theft. All work done on your behalf is performed by qualified paralegals. Our program takes a completely hands on approach to identity theft restoration.

You will have 24/7, 365 days per year access to Identity Theft Restoration Advocates who will provide you with comprehensive, personalized recovery services.

Identity Theft Insurance*:
You will also receive up to $25,000 worth of identity theft insurance coverage underwritten by a nationally recognized Insurance Carrier with an “A” or better AM Best Rating. This coverage will help offset some of the cost of restoring your identity to its original status including:

• Lost wages: $500.00 per week, for 4 weeks maximum
• Re-filing of loans
• Defense cost for certain civil & criminal law suits
• Reimbursement of fees: Reasonable and necessary costs incurred in the United States by the insured for:
  1. Re-filing applications for loans, grants or other credit instruments that are rejected solely as a result of a stolen identity incident
  2. Notarizing affidavits or other similar documents, long distance telephone calls and postage solely as a result of the insured's efforts to report a stolen identity incident and/or amend or rectify records as to the insured's true name or identity as a result of a stolen identity event
  3. Up to six credit reports from established credit bureaus (with no more than two reports from any one credit bureau) dated within 12 months after the insured's discovery of a stolen identity incident.

* The description herein is a summary only. It does not include all terms, conditions and exlusions of the policy described. Please refer to the actual policy for complete details of coverage and exclusions. Coverage not available to residents of New York and may not be available in other jurisdictions. Insurance coverage is limited only to the member.

Identity Theft Restoration:
Upon notification of an identity theft incident, paralegals will:

• Consult with you to determine the severity of the theft
• Prepare and overnight a customized, pre-completed, state specific “ID Recovery Kit™”
• Contact all three credit reporting agencies and obtain a free credit report
• Place fraud alerts on your credit records, and obtain a list of creditors involved with the fraud
• Notify the appropriate bank or agency if other forms of identification (such as an ATM card, driver’s license, social security card, or passport) were stolen or are missing, so that appropriate action can be taken and new forms issued
• Notify local authorities of the incident and help you obtain necessary reports

Lost or Stolen Credit Card Assistance:
Paralegals will assist you in the event your credit cards are misplaced or stolen.

Paralegals will:

• Consult with you to determine the severity of the event
• Contact each credit card company while you are on the phone
• Cancel your affected credit cards
• Request new replacement cards
• Place fraud alerts with all three major credit bureaus
• Assist you with interpreting your credit reports
• Provide daily credit monitoring from all three bureaus for six months to help prevent any further fraud

Identity Monitoring**:
Identity Monitoring monitors the activity associated with an identity across multiple data sources to detect the type of fraudulent activity that takes place prior to the theft of an individual's identity. Sources include:

• Credit Bureau Data
• DMVs
• Bankruptcy Lien and Judgment Filings
• Utilities
• Public Records
• Private Contributory Databases

** Identity Monitoring coverage is limited only to the member.

As identity fraud usually precedes identity theft, this type of proactive alert system is critical to mitigating the extensive and expensive damage perpetrated after an identity is stolen and manipulated.

Keylogging Defense System™:
Our unique program is the only one in the country that provides you with a software tool that helps prevent identity theft.

Keyloggers are self propagating viruses that steal your keystrokes, and the information contained, as you navigate the Internet. Our Keylogging Defense System™ helps eliminate online identity theft by encrypting every keystroke at the keyboard level and then reroutes those encrypted keystrokes directly to your Internet browser. Our Keylogging Defense System™ bypasses the multiple communication areas that are normally vulnerable to keylogging attacks that could compromise your vital information.

With our defense system, members can now browse, access critical business applications, shop and bank online with confidence knowing that each and every keystroke is encrypted and not being transmitted to an awaiting Identity Thief.

LifeEvents™ Telephonic Counseling

You and your family will have toll free access to behavioral health experts 24/7, 365 days a year. All calls are answered directly by licensed, degreed clinical staff, and all services are handled with complete confidentiality.

LifeEvents™ provides you and your family with telephonic counseling for marital, parent-child, substance abuse, emotional, legal/financial, childcare, and eldercare problems, as well as many other personal challenges or stresses. You and your family are entitled to unlimited telephonic counseling per episode.

All groups or individuals interested in working with Legal Care Direct™ as a distributor, wholesaler or purchaser of large quantities of our programs should contact Legal Care Direct™. A list of contacts can be found by clicking HERE.